• Application Deadline:
• Position: Credit Risk Analyst



• Job Type Full Time



• Qualification BA/BSc/HND , MBA/MSc/MA



• Experience 2 - 5 years



• Location Lagos




• Job Field Finance / Accounting / Audit 
  
  

Responsibilities

• Evaluate customers' loan applications in line with the organisation's credit policy.


• Identify critical risks in credit requests and provide advice on how requests can be restructured in line with the bank’s risk appetite.


• Has relevant experience in analysing consumer and SME loans.


• Organisation of the credit committee.


• Portfolio management & reporting.


• Create innovative credit evaluation processes and systems.


• Evaluate clients for credit worthiness based on our internal risk models & their application information.


• Detect fraudulent applications and unreliable applicants.


• Review Facility Letters and Loan Agreements, scrutinising the signed documents to ensure the accuracy of the contracts.


• Continuously ensure alignment/compliance with the credit risk management framework.


• Continuously analyse and recommend improvements on the credit risk management framework, processes and systems.


• Preparation of statutory reports.

Qualification / Requirements

• A First Degree in Economics, Finance or any other discipline, a Master’s Degree is an added advantage.


• 2 - 5 years’ relevant experience in the Financial Services Industry.


• Good knowledge of accounting and relevant lending ratios.


• Experience in Credit Risk Management


• Data Analytics and Effective Communication


• Good Knowledge of Credit Analysis and Appraisal


• Experience in SME


• Good reporting skills.